Case Study Of RICB

Along with EMVco, there are various stakeholders who are crucial to the successful adoption of EMV. They are namely the merchants (acceptors), acquirers/processors, issuers/banks, payment system integrators and value-added resellers (VAR). While deployments

There are also challenges that this industry is facing such as restrictions on online payment services by the government and agencies, security of information and data, and adaptation is also a problem. There is a race to control online payments and data processing that includes large known corporations such as Google, Apple, Samsung, Visa, PayPal, Square, Intuit and others more. And these corporations are very far ahead in the industry in terms of technology and consumer market. Apple last year had introduced the app called ApplePay, which enables you to store credit card and debit cards information and even gift cards and pay directly from your phone by

This case study aims at providing substantial information pertaining to the effects adopting IT in a particular banking institution. The researcher understands that there are important issues that have to be disclosed and discussed in order to determine aspects that need to be improved for both subjects involved in the study. For the purposes of achieving a comprehensive discussion regarding the topic, substantial amount of data has been gathered to serve as references. Direct texts are taken form relevant sources so as to prove that claims and arguments raised by the researcher are facts-based. In addition to this, direct statements coming from persons who are knowledgeable about the topic are also taken into account for the purpose of supporting arguments. Textual illustrations and practical examples are also included by the researcher in order to clarify ambiguous concepts and strengthen explanations.

This chapter will present the theoretical framework used in this master´s thesis. This chapter gives an overview of theories explaining distribution channels and consumer adoption. Ending with a literature review in financial service research, a research area closely related to digital receipts.

Companies must have the resources and dedication to maintain their customer base while finding ways to increase it. Several investments should be considered to achieve this goal. Industry leaders such as MasterCard International, Visa Inc., and American Express are considered leaders in the payment sector. According to figures from 2014, American Express, Visa, and MasterCard made approximately $58 billion dollars combined [1]. What are some steps taken to achieve these results? MasterCard International has achieved this status by investing in analytical tools, mobile applications, and other wireless programs. This paper examines some of these standards set by MasterCard. The purpose of this study is to analyze existing standards and propose additional methods to increase revenue.

1. To identify the key factors affecting the decision to adopt Internet banking system in Botswana.

integrate its service with eBay, the technology was accepted by the market. The digital wallet was

* Has created new financial needs that in many cases cannot be effectively fulfilled by the traditional payment systems. * Variety of payment cards * Micropayments * Online cash storage * Electronic Cash Systems * Internet Technologies and the Banking Industry

Based on my future reading from “The Relationship between E-Commerce Adoption and Organization Performance” , the finding is also quite similar with these journal by which it had stated that the click-and mortar firm should also applying e-commerce and determine the necessary areas that need to be re-engineered in the process to increase the firm’s performance. However, it had been recommended that future researcher should consider some factors in determining their research by which Mutia Sobihah Abd Halim etc did not apply. The other factors consist of performing a comparative study between the hotels that using e-commerce with the hotels that still not uses it; it also should involve the e-commerce hotels’ user, as well as conducting this study in the other industries in Malaysia.

The second section reviews studies which have examined the importance of perceived ease of use in explaining customers ' acceptance on online banking. Perceived usefulness and perceived ease of use are the original constructs proposed by Davis (1989) in his model TAM. This model is used as a point of reference to study the factors influencing Internet banking acceptance in Kota Kinabalu, Northern Borneo, Malaysia. Two original constructs of TAM, perceived usefulness and perceived ease of use, as noted earlier will be employed. The third section explains about the importance of perceived credibility - security and privacy in assessing the customers ' plan to use online banking in the future. The fourth section reviews the importance of perceived enjoyment that may affect the customers ' acceptance on online banking. Finally, the last section pertains to social norm as investigated previously by Nysveen et al. (2005); and Venkatesh and Morris (2000). Their studies suggest the importance of social norm in explaining its effect for the technology adoption.

Research Scholar, School of Management Studies, Vels University, Pallavaram Chennai, India1 Research Scholar, School of Management Studies, Vels

With internet being one of the developments of IT, the results showed that it has culminated in improved customer convenience. Yet despite other advances in the management of IF, this arm has thrashed to fully control the power and promise of technology, with the customers looking forward to solutions that are not only faster and cheaper, but that also provides customer convenience and efficiency. Convenience is much related to access to a service at any time , hence the customers are now able to make even across the borders payments from their homes through the internet which is more convenient than actually going to the bank to make a payment. 87percent of the respondents agreed that the change had brought a positive effect in the way the internal finance transactions are now being managed with 55 percent strongly agreeing.

ABSTRACT Fast advances in the wireless technology and the intensive penetration of cell phones have motivated banks to spend large budget on building mobile banking systems, but the adoption rate of mobile banking is still underused than expected. Therefore, research to enrich current knowledge about what affects individuals to use mobile banking is required. Consequently, this study employs the Unified Theory of Acceptance and Use of Technology

This paper is written to address about the adoption of EC by using Indonesia as a case. The aim of the study is to explore about how adoption of e-commerce has developed in Indonesia and explain about the current conditions of e-commerce in the country itself. The findings are gathered through secondary data analysis and review from literatures, statistics and online documents.

The current study is based on primary data collected from 150 respondents from the different parts of Delhi. A well structured questionnaire was designed to collect the information from the respondents The questionnaire was designed to study perception of customer towards adoption of digital payment mode . Likert five point scales was used for obtaining responses. The responses have been collected by means of face-to-face interviews by authors.